accounting, fraud investigations,Customer Service, Risk management

KILLS

ORK

RAYMOND NICOLAS HEREDIA

**** ***** ********, ******, *** York 11003

Cell: 347-***-**** - **********@*******.***

SUMMARY

Over ten years of professional experience in banking, business development, accounting, administration, teller supervisor, security, prevention of fraud, money laundering, investigations, to achieve the objectives of the organization. Dynamic approach resulted in the capture of numerous accounts and expanding customer base. Accounting and security consultant in banking allowed me to gain experience during my career as a business manager. Motivated banking professional possessing a strong commitment to quality customer service coupled with superb communication skills. Builds customer loyalty by effectively resolving problems and quickly processing transactions. Customer Service Representative who achieves high levels of customer satisfaction.

Accounting, Computer Technician,

Technical Banking Security, Diploma in Bank Management Oversight, Business administration, Personal Trainer, Martial Arts Trainer, Cash Handling Expertise Multilingual in Spanish-English

Strong account analysis skills

Rapid Data Skills

Driver Package

UPS – Saddle Brook, NJ

Deliver package to assigned route (Temporary Job)

Maintain friendly and professional customer interactions. 11/2011 Dispatcher

Spanish Transportation – 96 Barclay Street, Paterson, NJ Responsible for assignment of jobs to different drivers and collect money every day. Store Manager

Pelham Liquors and Wines – 2248 White plains road, Bronx, NY Store manager responsible for business operations, make requests, calculate the purchase and sale prices, placing goods, make payments to creditors and services, inventory records, etc. 11/2005 Manager

BHD Bank – Dominican Republic

Supervisor for the Authorizations department of credit card and mixed credits. Manager security and fraud department charge of credit card transactions, fraud investigations and claims of cardholders related to the transactions of different shops such as authorization to debit and credit cards. Likewise for checking and saving accounts customers. Responsible for decisions in each case. Business development visiting and counseling individual probable customers and incorporate clients regarding loan opportunities. Responsible risk analysis relating to money and monetary returns. Manager for risk management, fraud department and operations department. Perform managerial duties making accurate decision, analyze and determine the financial needs of each customer. Investigate and analyze financial statements about pertinent information to determine creditworthiness of prospective customer.

P ROFESSIONAL

S

W History

11/2012 To 2013

010101/2013

01/2013

12/2005

03/2011 to

To 02/2010

05/1996 to

Responsible for all operational security of the institution, such as research and treatment of opening new accounts, large deposits, certificate of deposits and evaluate them. Supervision of areas customer service, cashier area security, call center and extended hours. Operational support to departments: Accounting, Money Laundering, Human Resources, Legal insurance and others.

Responsible for debugging and selecting new candidates for job positions such as Teller, Customer Service personnel related to safety and customer service. Maintained friendly and professional customer interactions.

1993 Technical Accounting and Accounting Clerk

1996 Business Administration Bachelor Degree - Dominican Republic 1997 Computer Technician

1997 Diploma Customer Service Satisfaction

2004 Technical Investigator and Intelligence

2004 Diploma in Banking Management Oversight

2007 High School Equivalent Diploma

Physical Sciences and Mathematic Associated

Computer technician

Technical Banking Security

Accounting Technician

Diploma In Bank Management Oversight

Investigations Technician

Security and Protection Diploma

Innovation and Security Payment system Certificate Prevention of Fraud Certificate

Personal Trainer

Martial Arts Trainer

Nutrition Certificate

CERTIFICATIONS

EDUCATION

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